NBT Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
NBT Bancorp has total assets of $13.4B and total equity of $1.4B. Total deposits are $11.2B, and total loans are $9.6B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $319.1M.
Key information
9.3x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$11.20b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$319.09m |
Recent financial health updates
No updates
Recent updates
NBT Bancorp (NASDAQ:NBTB) Will Pay A Larger Dividend Than Last Year At $0.32
Aug 18
NBT Bancorp (NASDAQ:NBTB) Is Paying Out A Larger Dividend Than Last Year
Jul 29Earnings Beat: NBT Bancorp Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
Apr 28Here's Why I Think NBT Bancorp (NASDAQ:NBTB) Is An Interesting Stock
Dec 28NBT Bancorp's (NASDAQ:NBTB) Dividend Will Be Increased To US$0.28
Oct 30Do NBT Bancorp's (NASDAQ:NBTB) Earnings Warrant Your Attention?
Sep 28NBT Bancorp's (NASDAQ:NBTB) Shareholders Will Receive A Bigger Dividend Than Last Year
Aug 03Does NBT Bancorp (NASDAQ:NBTB) Deserve A Spot On Your Watchlist?
Jun 21Here's Why NBT Bancorp Inc.'s (NASDAQ:NBTB) CEO Compensation Is The Least Of Shareholders' Concerns
May 19NBT Bancorp declares $0.27 dividend
Apr 26Have Insiders Been Selling NBT Bancorp Inc. (NASDAQ:NBTB) Shares?
Mar 08Is NBT Bancorp Inc. (NASDAQ:NBTB) A Smart Choice For Dividend Investors?
Feb 08NBT Bancorp (NASDAQ:NBTB) Has Compensated Shareholders With A Respectable 57% Return On Their Investment
Jan 11Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: NBTB's Assets to Equity ratio (9.3x) is low.
Allowance for Bad Loans: NBTB has a sufficient allowance for bad loans (305%).
Low Risk Liabilities: 93% of NBTB's liabilities are made up of primarily low risk sources of funding.
Loan Level: NBTB has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: NBTB's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: NBTB has an appropriate level of bad loans (0.4%).